Car Insurance Cost in Aurora, CO – Rates, Rankings, Comparisons

• Aurora car insurance cost averages $2,898 per year, or approximately $242 per month, for a full-coverage policy.
• Aurora car insurance costs an average of $254 per year more than the Colorado state average cost ($2,644) and $622 per year more than the rate average for the entire United States ($2,276).
• Auto insurance rates for a few popular vehicles in Aurora include the Honda CR-V at $2,472 per year, Nissan Rogue at $2,602, and Toyota Tacoma at $2,934.
• For cheap auto insurance in Aurora, Colorado, compact crossovers and SUVs like the Subaru Crosstrek, Nissan Kicks, Hyundai Venue, and Mazda CX-5 have some of the best rates.
• Vehicles with segment-leading auto insurance rates include the Chevrolet Tahoe at $2,720 per year, Honda Passport at $2,308 per year, Kia K5 at $2,790 per year, and Subaru Crosstrek at $2,140 per year.
• Car insurance quotes in Aurora can range significantly from as little as $34 per month for minimum liability insurance to over $694 per month for accident or violation prone drivers.

How much is car insurance in Aurora?

The average car insurance cost in Aurora is $2,898 per year, which is 24% more than the national average rate of $2,276 per year. Average car insurance cost per month in Aurora is $242 for full coverage.

In the state of Colorado, the average car insurance expense is $2,644 per year, so the average cost in Aurora is $254 more per year. When compared to other cities in Colorado, the cost of car insurance in Aurora is $18 per year more expensive than in Lakewood, $116 per year more than in Colorado Springs, and $474 per year more expensive than in Fort Collins.

The age of the rated driver is the factor that has the most impact on the price you pay for car insurance, so the list below details how age impacts cost by showing average car insurance rates in Aurora depending on driver age.

Aurora, CO, car insurance cost for drivers age 16 to 60

• 16-year-old driver – $10,325 per year or $860 per month
• 17-year-old driver – $10,002 per year or $834 per month
• 18-year-old driver – $8,963 per year or $747 per month
• 19-year-old driver – $8,162 per year or $680 per month
• 20-year-old driver – $5,834 per year or $486 per month
• 30-year-old driver – $3,092 per year or $258 per month
• 40-year-old driver – $2,898 per year or $242 per month
• 50-year-old driver – $2,570 per year or $214 per month
• 60-year-old driver – $2,406 per year or $201 per month

The next chart shows examples of average Aurora auto insurance cost. Rates are averaged for all Aurora Zip Codes and shown for a variety of driver ages, policy deductibles, and potential risk scenarios.

In the chart above, the cost of auto insurance in Aurora ranges from $2,410 per year for a 40-year-old driver who qualifies for a great discount rate to $6,666 per year for a 30-year-old driver with a lot of violations and accidents. When converted to a monthly rate, the average cost in the prior chart ranges from $201 to $556 per month.

Auto insurance rates vary considerably and are impacted by a lot of factors. Due to the fact that rates are so variable, this increases the need for accurate car insurance quotes when searching online for a better price on car insurance in Aurora.

The cost to insure Aurora drivers’ favorite vehicles

The prior rates are the average cost across all 2024 model year vehicles, which is handy when making big picture comparisons such as the cost difference between driver ages or locations. For more in-depth car insurance rate comparisons, however, the data will be more precise if we use rates for the specific make and model of vehicle being insured.

In the next few sections, we explore all kinds of rates for specific vehicles, but for now, let’s just look at a handful of the more popular vehicles to find out how auto insurance rates stack up in Aurora.

The chart below shows the cost of auto insurance in Aurora for a small sample of popular cars, pickups, and SUVs.

The vehicles that sell well in Aurora tend to be compact or midsize cars like the Hyundai Elantra, Nissan Sentra, and Nissan Altima and small or midsize SUVs like the Toyota RAV4, Honda CR-V, and Ford Explorer.

Other popular vehicles from other segments include luxury models like the Tesla Model S and Lexus RX 350, pickup trucks like the Ram 1500 and Toyota Tacoma, and sports cars like the Audi TT and Chevy Corvette.

We explore many more car rates coming up, but before we delve that deep, let’s rehash the concepts and comparisons that were covered up to this point.

• Aurora car insurance prices are more expensive than the Colorado state average – $2,898 (Aurora average) versus $2,644 (Colorado average)
• A low deductible policy costs more – A 30-year-old driver pays an average of $786 more per year for $250 physical damage deductibles versus $1,000.
• Auto insurance costs less the older you are – Car insurance rates for a 50-year-old driver in Aurora are $3,264 per year cheaper than for a 20-year-old driver.
• Average cost per month ranges from $201 to $860 – That’s the average auto insurance price range for drivers from age 16 to 60 in Aurora, CO.
• Aurora, CO, car insurance costs more than the U.S. average – $2,898 (Aurora average) versus $2,276 (U.S. average)
• Insurance for teen drivers can cost a lot – Average rates range from $6,902 to $10,325 per year for insurance on a teen driver in Aurora, Colorado.
• Teenage girls pay less than teen males – Teenage female drivers age 16 to 19 pay $1,260 to $681 less annually than male drivers of the same age.

What are the cheapest vehicles to insure in Aurora, CO?

When comparing all 2024 makes and models, the vehicles with the most affordable insurance quotes in Aurora, CO, tend to be small SUVs like the Kia Soul, Subaru Crosstrek, and Hyundai Venue.

Average auto insurance quotes for those crossover SUVs cost $2,354 or less per year, or $196 per month, for a policy with full coverage.

Examples of other models that have very good car insurance prices in the comparison table below are the Nissan Murano, Subaru Outback, Volkswagen Tiguan, and Volkswagen Taos. Average rates are a little bit more for those models than the cheapest crossover SUVs that rank near the top, but they still have average rates of $2,518 or less per year, or around $210 per month in Aurora.

The following table breaks down the 20 car, truck, and SUV models with the cheapest auto insurance in Aurora, sorted by annual and monthly insurance cost.

A table of 20 vehicles with the cheapest insurance in Aurora serves the purpose if you’re just looking for any vehicle with cheap insurance rates. A better way to look at rates in a logical manner is to sort them by their automotive segment.

This next article section talks about the average cost to insure each different vehicle segment. These rates should give a good idea of which types of vehicles have the overall best average car insurance rates. Then the six subsequent sections display the most affordable rates for individual models in the more popular segments.

Aurora car insurance rates by automotive segment

When shopping around for a new or used vehicle, it’s in your best interest to know which types of vehicles have less expensive auto insurance rates.

As an example, some common questions are if midsize SUVs are more affordable to insure than full-size SUVs or if luxury cars or SUVs cost more to insure than non-luxury models.

The next chart displays average auto insurance rates in Aurora for different vehicle segments. From an overall average perspective, compact SUVs, midsize trucks, and minivans have the best average car insurance rates, with exotic performance models having the highest average cost to insure.

Average rates by automotive segment are suitable to make an overall comparison, but car insurance cost varies greatly within each of the segments listed in the previous chart.

For example, in the small car segment, average Aurora car insurance rates range from the Toyota GR Corolla costing $2,518 per year up to the Toyota Mirai at $3,606 per year.

In the sports car segment, the average cost of insurance ranges from the Mazda MX-5 Miata at $2,682 per year to the Mercedes-Benz SL 63 at $5,954 per year.

In the upcoming sections, we eliminate this variability by looking at the cost of auto insurance in Aurora at a model level.

Cheapest car insurance rates in Aurora, Colorado

The four top-ranked 2-door and 4-door sedans and hatchbacks with the most affordable insurance in Aurora are the Toyota GR Corolla at $2,518 per year, Nissan Leaf at $2,536 per year, Honda Civic at $2,566 per year, and Nissan Sentra at $2,656 per year.

Not the cheapest cars to insure, but still very reasonable, are models like the Toyota Prius, Toyota Corolla, Honda Accord, and Chevrolet Malibu, with average cost of $2,824 per year or less.

On a monthly basis, full-coverage insurance in this segment for an average middle-age driver will start around $210 per month, depending on your company and location.

If prices are ranked by vehicle size, the lowest-cost non-luxury compact car to insure in Aurora is the Toyota GR Corolla at $2,518 per year. For midsize 2024 models, the Kia K5 has the cheapest rates at $2,790 per year. And for full-size cars, the Chrysler 300 has the most affordable rates at $2,762 per year.

The next table ranks the cars with the cheapest insurance rates in Aurora, starting with the Toyota GR Corolla at $2,518 per year ($210 per month) and ending with the Mazda 3 at $2,996 per year ($250 per month).

For all vehicle comparisons, see our guides for compact car insurance, midsize car insurance, and full-size car insurance.

Don’t see insurance rates for your vehicle? Enter your zip code at the bottom of the table above and click the orange ‘GO’ button to get free Aurora car insurance quotes from top car insurance companies in Colorado.

Cheapest SUVs to insure in Aurora, CO

The top five lowest-cost SUVs to insure in Aurora are the Subaru Crosstrek, Chevrolet Trailblazer, Kia Soul, Nissan Kicks, and Honda Passport. Insurance rates for these models range from $2,140 to $2,308 per year.

Additional SUVs that have good average insurance rates include the Mazda CX-5, Buick Envision, Ford Bronco Sport, and Hyundai Venue, with average rates of $2,374 per year or less.

Additional 2024 models that make the list include the Subaru Outback, Volkswagen Tiguan, Nissan Murano, Buick Encore, and Volkswagen Taos, which average between $2,374 and $2,522 per year to insure in Aurora.

From a monthly standpoint, auto insurance in this segment for the average driver starts at an average of $178 per month, depending on where you live.

The cheapest non-luxury compact SUV to insure in Aurora is the Subaru Crosstrek at $2,140 per year. For midsize SUVs, the Honda Passport is the cheapest model to insure at $2,308 per year. And for full-size SUVs, the Chevrolet Tahoe has the most affordable rates at $2,720 per year.

The next table ranks the SUVs with the lowest-cost insurance in Aurora, starting with the Subaru Crosstrek at $178 per month and ending with the Subaru Ascent at $210 per month.

For more car insurance comparisons, see our guides for compact SUV insurance, midsize SUV insurance, and full-size SUV insurance.

Is your SUV missing from the table above? Enter your zip code at the bottom of the table above and click the orange ‘GO’ button to get free car insurance quotes from the best car insurance companies in Colorado.

Cheapest luxury cars to insure in Aurora

Ranking #1 in Aurora for cheapest auto insurance in the luxury car segment is the Acura Integra, coming in at $2,578 per year. Second place is the BMW 330i costing $2,952 per year, and the third cheapest is the Mercedes-Benz CLA250, costing an average of $2,984 per year.

Other luxury cars that are affordable to insure are the Lexus ES 350, Mercedes-Benz AMG CLA35, Cadillac CT4, and Genesis G70, with average rates of $3,046 per year or less.

Auto insurance rates in this segment can cost as low as $215 per month, depending on the company.

The next table ranks the cars with the lowest-cost average car insurance rates in Aurora, starting with the Acura Integra at $2,578 per year ($215 per month) and ending with the Audi S3 at $3,250 per year ($271 per month).

See our comprehensive guide for luxury car insurance to view data for vehicles not featured in the table.

Need rates for a different vehicle? No sweat! Enter your zip code at the bottom of the table above and click the orange ‘GO’ button to get free car insurance quotes from the best car insurance companies in Colorado.

Cheapest luxury SUV insurance rates in Aurora, Colorado

The cheapest luxury SUV models to insure in Aurora are the Acura RDX at $2,424 per year, the Lexus NX 250 at $2,564 per year, and the Cadillac XT4 at $2,618 per year.

Not the cheapest, but still in the top 10, are SUVs like the Lexus NX 450h, Lexus UX 250h, Lexus NX 350h, and Mercedes-Benz GLB 250, with an average car insurance cost of $2,794 per year or less.

Additional models that rank well include the Mercedes-Benz GLA35 AMG, Lexus RX 350, Infiniti QX50, Cadillac XT6, and Acura MDX, which average between $2,794 and $2,910 to insure per year.

Car insurance rates for this segment in Aurora for a good driver starts at around $202 per month, depending on the company and where you live.

The rate comparison table below ranks the SUVs with the cheapest average auto insurance rates in Aurora, starting with the Acura RDX at $202 per month and ending with the Lexus RX 350 at $243 per month.

For more car insurance comparisons, see our guide for luxury SUV insurance.

Don’t see insurance cost for your luxury SUV? No sweat! Enter your zip code at the bottom of the above table and click the orange ‘GO’ button to get free car insurance quotes from the best companies in Colorado.

Cheapest pickup truck insurance rates in Aurora

Ranking at the top for the cheapest Aurora auto insurance rates in the pickup segment are the Ford Ranger, Ford Maverick, Nissan Titan, Chevrolet Colorado, and Nissan Frontier. Car insurance prices for these 2024 models average $2,810 or less per year.

Additional models that rank well include the GMC Canyon, Hyundai Santa Cruz, Honda Ridgeline, and Toyota Tacoma, with an average cost to insure of $2,982 per year or less.

On a monthly basis, auto insurance rates in Aurora on this segment for the average driver starts at an average of $213 per month, depending on your company and location. The next table ranks the pickups with the most affordable average insurance rates in Aurora, starting with the Chevrolet Colorado at $2,554 per year and ending with the Ram Truck at $3,352 per year.

See our guides for midsize pickup insurance and large pickup insurance to compare rates for all truck makes and models.

Is your pickup truck not in the list? No problem! Enter your zip code at the bottom of the table and click the orange ‘GO’ button to get free car insurance quotes from top companies in Colorado.

Cheapest sports car insurance rates in Aurora, CO

The three top-ranked sports cars with the cheapest average auto insurance rates in Aurora are the Mazda MX-5 Miata at $2,682 per year, the Toyota GR86 at $3,054 per year, and the Ford Mustang at $3,186 per year.

Not the cheapest to insure, but still ranked well, are cars like the Lexus RC F, BMW M2, Toyota GR Supra, and Nissan Z, with average cost of $3,466 per year or less.

On a monthly basis, auto insurance rates in this segment for a safe driver will start around $224 per month, depending on where you live and the company you use. The next table ranks the twenty sports cars with the most affordable car insurance rates in Aurora, starting with the Mazda MX-5 Miata at $224 per month and ending with the Porsche Taycan at $409 per month.

Don’t see your sports car in the list? Enter your zip code at the bottom of the table and click the orange ‘GO’ button to get free car insurance quotes from top companies in Aurora.

Tips for finding cheaper Aurora car insurance

Shrewd drivers are often looking to pay less for auto insurance, so take a minute or two to look through the tips and ideas below and it’s very possible you can save some money the next time you buy a policy.

• Your employment could save you money. Many car insurance companies offer discounts for certain professions like police officers and law enforcement, accountants, architects, engineers, high school and elementary teachers, and others. Getting this discount applied to your policy could save between $87 and $282 on your annual car insurance premium, depending on the policy coverages.
• Be a careful driver and pay less for car insurance. Too many at-fault accidents will increase rates, as much as $4,138 per year for a 20-year-old driver and as much as $708 per year for a 60-year-old driver. So drive safe and save money!
• Policy discounts equal cheaper car insurance rates. Discounted rates may be available if the insured drivers are homeowners, are loyal customers, drive a vehicle with safety or anti-theft features, are good students, or many other discounts which could save the average Aurora driver as much as $488 per year.
• Choose vehicles that have cheaper insurance. The type of vehicle you drive is an important factor in the cost of auto insurance. As an example, a Subaru Impreza costs $2,654 less per year to insure in Aurora than a BMW i8. Lower performance vehicles save money.
• Increasing deductibles makes car insurance cheaper. Raising deductibles from $500 to $1,000 could save around $382 per year for a 40-year-old driver and $742 per year for a 20-year-old driver.
• Shop around. Taking a couple of minutes every year or so to get some free car insurance quotes is a smart way to save money. Rates change quite often and you do not have to wait for your renewal to change companies.
• Clean up your credit to lower your rates. Drivers with high 800+ credit scores may save $455 per year when compared to a slightly lower credit rating between 670-739. Conversely, a diminished credit rating could cost around $527 more per year. Not all states use credit score as a rating factor, so check with your agent or company.